Minimum Salary Salary Transfer Early Settlement Fees Maximum Term Flat Rate Reducing Rate
National Commercial Bank - Lease Finance National Commercial Bank - Lease Finance Minimum Salary: SAR 2,500 Salary Transfer: Yes Early Settlement Fees: - Maximum Term: 5 Years Flat Rate: 7.1% Reducing Rate: 1.15%
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Features & Benefits:
  • Shariah Compliant Financing
  • Salary transfer is not required
  • Financing for both Saudi citizens and residents
  • No guarantor required
  • Instant pre-approval from the first visit
  • A hassle-free application process
  • Ability to get the car with zero down payment
  • Flexible monthly rental payment for up to 5 years
  • Financing amount up to SAR 500,000
  • Full insurance coverage throughout the leasing period
  • Extended warranty up to 5 years
  • Flexible settlement options during and at the end of the leasing period
  • Ability to lease up to three cars for Saudis and two cars for residents
  • Availability of After Sales Service Centers across the Kingdom


Employed (Payroll)
  • Minimum Salary: SAR 2,500
  • Minimum Years on the job: 1 month
  • Customer Age: 18 years
Required Documents: 
  • Car Price Quotation
  • Copy of Valid ID/Iqama
  • Copy of Valid Driver's License
  • Employment Letter
  • Bank Statement of last 3 months

Self Employed:
  • Minimum Salary: SAR 10,000
  • Minimum Years on the job: 6 month
  • Customer Age: 24  years
Required Documents:
  • Car Price Quotation
  • Copy of valid ID/Iqama
  • Copy of valid Driver's License
  • Copy of valid Commercial Certificate
  • Bank Statement of last 3 months

  • Minimum Salary: SAR 3,000
  • Customer Age: 70  years
Required Documents:
  • Car Price Quotation
  • Copy of Valid ID/Iqama
  • Copy of Valid Driver's License
  • GOSI Certificate
  • Letter of Retirement Pension Transfer to NCB
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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